Overview
Our Debt Advisory service is designed to help businesses effectively manage their debt by offering strategic solutions for debt structuring, refinancing, and repayment planning. We assist in optimizing debt portfolios, reducing financial stress, and ensuring sustainable financial health. Additionally, we negotiate with financial institutions to secure the most favorable loan terms, interest rates, and repayment schedules for our clients.
Documents Required
The documents required for debt advisory services vary based on the nature of the business and the financial institutions involved. Commonly required documents include:
- Company financial statements (last 3-5 years)
- Business plan & cash flow projections
- Loan agreements & repayment schedules
- Bank statements (last 6-12 months)
- Tax returns (last 3 years)
- KYC documents of directors/owners
- Debt obligations & existing loan details
Benefits
- Optimized Debt Structure - Helps balance short-term and long-term financing needs.
- Lower Interest Rates - Negotiation with lenders to secure better terms.
- Improved Cash Flow Management - Better repayment planning reduces financial stress.
- Stronger Credit Profile - Enhanced creditworthiness by restructuring debt efficiently.
- Customized Repayment Plans - Tailored strategies to fit business cash flows.
Why Debt Advisory?
Many businesses struggle with high-interest rates, improper debt structuring, and cash flow mismatches, which impact their financial stability. Debt Advisory helps businesses restructure liabilities, reduce borrowing costs, and secure better financial terms from banks and NBFCs.
How We Can Help You
- Debt Structuring & Refinancing - Assessing existing debt and restructuring it for efficiency.
- Bank & Lender Negotiations - Engaging with financial institutions to secure favorable interest rates and terms.
- Repayment Planning - Creating customized repayment strategies aligned with business goals.
- Debt Syndication Support - Helping businesses raise funds through multiple lenders.
- Compliance & Documentation Assistance - Ensuring regulatory and lender requirements are met seamlessly.
FAQs
1. How do I know if my business needs debt advisory services?
If your business is struggling with loan repayments, high-interest rates, or cash flow issues, debt advisory can help optimize your financial structure and ease financial stress.
2. Can you help in negotiating with banks for lower interest rates?
Yes, we leverage our expertise and industry relationships to negotiate with banks and financial institutions for better loan terms and interest rates.
3. Is debt restructuring only for businesses in financial distress?
No, even financially stable businesses can benefit from refinancing and restructuring to optimize debt costs and improve financial efficiency.
4. How long does the debt advisory process take?
The timeline varies based on the complexity of the debt structure and lender negotiations. On average, it can take 2-6 months to complete a debt restructuring or refinancing process.